"...you need money to buy things; you earn money by working; you may have to wait to buy things you want; and there is a difference between things you want and things that you need..."Time Magazine, Nov 30, 2015Article - Your kid's financial education should start much earlier than you think - By Dan Kedlec

Little Laughs!

How do oceans say hello? They wave at each other!

Can kangaroo jump higher than a house? Of course, a house does not jump at all!

My dog used to chase people o10n a bike...it got so bad that I had to take it away!!

Knock...Know...who is there? FedEx...FedEx who?FedEx will be there tomorrow!

Do you know the ancestry of American people?It is a melting pot of immigrants from all over the world.This trend continues even today.These immigrants make America what it is today and are an big part in the success of businesses today.

There are over 320 million Americans today.Ancestry of Americans include: Germans over 14%, African American 12%, Irish 12%, English 8%, Mexican 8%, Italian 6%, Hispanic 5%, French 4%, Polish Scottish, Dutch, Norwegian, Scotch-Irish, Native American, and Swedish are between 1-3% but add up to 11%.The rest are from other various countries.

In 2008, $3.3 Trillion was the total loss in value for the US housing market. In early 2006 housing market value was close to $9.4 Trillion..so almost 1/3rd of housing market value was lost due to housing, credit, and financial crisis!

Since 2008, close to 12 million jobs have been added to the job market! This has allowed many Americans to get back on track and recover from the recession. Unemployment rate is now below 5% from almost 10% in 2009 when financial markets caused the recession!

Market slide continues -- The DOW down -260 for the week!

The DOW closed down -260 points or -1.07%, the S&P500 was down -31 points or -1.17%, and NASDAQ was down -49 points or -0.7% for the week ending December 14th. Oil closed at $49.3 drop of -$2.83 per barrel or -5.43%

Year-To-Date (YTD) the DOW is down -2.5% , S&P500 is down -2.8% and NASDAQ is up +0.1%.

In 2017 the DOW was up 25.1%, S&P500 up 19.4% and NASDAQ up 28.2%

Thank you for your feedback and comments! Now we are on to our 11th Year!!